National Exchange Bank And Trust
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
National Exchange Bank And Trust 2012 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | National Exchange Bank And Trust 130 South Main Street Fond Du Lac, WI 54935 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,642 |
| Total Mortgage Loan Application Amount | $214,635,000 |
| Average Mortgage Loan Application Amount | $114,000 |
| Highest Mortgage Loan Application Amount | $5,000,000 |
| Average Applicant Income | $70,333 |
| Highest Applicant Income | $1,906,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with National Exchange Bank And Trust. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing National Exchange Bank And Trust's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2012 breaks down National Exchange Bank And Trust's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how National Exchange Bank And Trust serves its applicants.
Each category highlights the total number of mortgage applications processed by National Exchange Bank And Trust, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at National Exchange Bank And Trust's mortgage activity for 2012.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fond du Lac County Wisconsin | 605 | $ 79,208,000 | $ 130,000 | $ 72,000 |
| Sheboygan County Wisconsin | 292 | $ 36,903,000 | $ 126,000 | $ 73,000 |
| Washington County Wisconsin | 110 | $ 16,207,000 | $ 147,000 | $ 76,000 |
| Dodge County Wisconsin | 102 | $ 10,788,000 | $ 105,000 | $ 72,000 |
| Marquette County Wisconsin | 83 | $ 7,840,000 | $ 94,000 | $ 60,000 |
| Columbia County Wisconsin | 54 | $ 6,598,000 | $ 122,000 | $ 61,000 |
| Green Lake County Wisconsin | 34 | $ 3,223,000 | $ 94,000 | $ 47,000 |
| Calumet County Wisconsin | 27 | $ 3,903,000 | $ 144,000 | $ 114,000 |
| Milwaukee County Wisconsin | 26 | $ 4,412,000 | $ 169,000 | $ 125,000 |
| Waushara County Wisconsin | 24 | $ 3,047,000 | $ 126,000 | $ 85,000 |
| Ozaukee County Wisconsin | 21 | $ 3,991,000 | $ 190,000 | $ 80,000 |
| Waukesha County Wisconsin | 19 | $ 3,816,000 | $ 200,000 | $ 124,000 |
| Winnebago County Wisconsin | 15 | $ 1,138,000 | $ 75,000 | $ 54,000 |
| Manitowoc County Wisconsin | 12 | $ 1,279,000 | $ 106,000 | $ 42,000 |
| Dane County Wisconsin | 10 | $ 1,727,000 | $ 172,000 | $ 121,000 |
| Adams County Wisconsin | 9 | $ 1,015,000 | $ 112,000 | $ 73,000 |
| Brown County Wisconsin | 9 | $ 1,298,000 | $ 144,000 | $ 79,000 |
| Outagamie County Wisconsin | 8 | $ 935,000 | $ 116,000 | $ 79,000 |
| Oneida County Wisconsin | 5 | $ 1,127,000 | $ 225,000 | $ 79,000 |
| Maricopa County Arizona | 4 | $ 1,101,000 | $ 275,000 | $ 115,000 |
| Marinette County Wisconsin | 4 | $ 281,000 | $ 70,000 | $ 74,000 |
| Walworth County Wisconsin | 4 | $ 140,000 | $ 35,000 | $ 42,000 |
| Langlade County Wisconsin | 3 | $ 349,000 | $ 116,000 | $ 175,000 |
| Marathon County Wisconsin | 3 | $ 242,000 | $ 80,000 | $ 48,000 |
| Racine County Wisconsin | 3 | $ 584,000 | $ 194,000 | $ 130,000 |
| Shawano County Wisconsin | 3 | $ 381,000 | $ 127,000 | $ 121,000 |
| Vilas County Wisconsin | 3 | $ 338,000 | $ 112,000 | $ 25,000 |
| Waupaca County Wisconsin | 3 | $ 372,000 | $ 124,000 | $ 125,000 |
| Barron County Wisconsin | 2 | $ 348,000 | $ 174,000 | $ 199,000 |
| Door County Wisconsin | 2 | $ 571,000 | $ 285,000 | $ 71,000 |
| Forest County Wisconsin | 2 | $ 394,000 | $ 197,000 | $ 117,000 |
| Juneau County Wisconsin | 2 | $ 431,000 | $ 215,000 | $ 107,000 |
| Oconto County Wisconsin | 2 | $ 313,000 | $ 156,000 | $ 75,000 |
| Rusk County Wisconsin | 2 | $ 148,000 | $ 74,000 | $ 94,000 |
| Sauk County Wisconsin | 2 | $ 378,000 | $ 189,000 | $ 113,000 |
| Hillsborough County Florida | 1 | $ 168,000 | $ 168,000 | $ 50,000 |
| Lee County Florida | 1 | $ 310,000 | $ 310,000 | $ 0 |
| Ada County Idaho | 1 | $ 186,000 | $ 186,000 | $ 155,000 |
| Cook County Illinois | 1 | $ 140,000 | $ 140,000 | $ 85,000 |
| Rock Island County Illinois | 1 | $ 212,000 | $ 212,000 | $ 450,000 |
| St. Clair County Illinois | 1 | $ 65,000 | $ 65,000 | $ 150,000 |
| Iron County Michigan | 1 | $ 50,000 | $ 50,000 | $ 63,000 |
| Ottawa County Michigan | 1 | $ 158,000 | $ 158,000 | $ 46,000 |
| Sherburne County Minnesota | 1 | $ 48,000 | $ 48,000 | $ 48,000 |
| Beaufort County South Carolina | 1 | $ 146,000 | $ 146,000 | $ 180,000 |
| Dallas County Texas | 1 | $ 5,000,000 | $ 5,000,000 | $ 0 |
| Bayfield County Wisconsin | 1 | $ 133,000 | $ 133,000 | $ 34,000 |
| Clark County Wisconsin | 1 | $ 140,000 | $ 140,000 | $ 75,000 |
| Florence County Wisconsin | 1 | $ 260,000 | $ 260,000 | $ 104,000 |
| Iron County Wisconsin | 1 | $ 206,000 | $ 206,000 | $ 0 |
| Kenosha County Wisconsin | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Kewaunee County Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 33,000 |
| Polk County Wisconsin | 1 | $ 150,000 | $ 150,000 | $ 67,000 |
| Portage County Wisconsin | 1 | $ 123,000 | $ 123,000 | $ 104,000 |
| Price County Wisconsin | 1 | $ 196,000 | $ 196,000 | $ 159,000 |
| Taylor County Wisconsin | 1 | $ 52,000 | $ 52,000 | $ 37,000 |
| Wood County Wisconsin | 1 | $ 250,000 | $ 250,000 | $ 0 |
Mortgage Loan Application Detail Totals for National Exchange Bank And Trust in 2012
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 1,064 | $156,371,000 | $146,000 | $5,000,000 | $78,000 | $1,906,000 |
| Home Purchase | 484 | $49,299,000 | $101,000 | $629,000 | $63,000 | $900,000 |
| Home Improvement | 94 | $8,965,000 | $95,000 | $417,000 | $70,000 | $305,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,435 | $180,250,000 | $125,000 | $1,273,000 | $80,000 | $1,906,000 |
| Not applicable | 98 | $22,572,000 | $230,000 | $5,000,000 | $0 | $0 |
| Not Provided | 78 | $9,116,000 | $116,000 | $417,000 | $44,000 | $164,000 |
| Hispanic | 26 | $1,996,000 | $76,000 | $226,000 | $42,000 | $90,000 |
| Asian | 4 | $565,000 | $141,000 | $207,000 | $81,000 | $117,000 |
| American Indian or Alaskan Native | 1 | $136,000 | $136,000 | $136,000 | $66,000 | $66,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,642 | $214,635,000 | $130,000 | $5,000,000 | $73,000 | $1,906,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,065 | $146,880,000 | $137,000 | $5,000,000 | $78,000 | $1,906,000 |
| Application Denied By Financial Institution | 208 | $22,553,000 | $108,000 | $417,000 | $61,000 | $600,000 |
| Application Approved But Not Accepted | 131 | $17,489,000 | $133,000 | $417,000 | $76,000 | $306,000 |
| Application Withdrawn By Applicant | 91 | $12,148,000 | $133,000 | $350,000 | $63,000 | $274,000 |
| Preapproval Approved but not Accepted | 78 | $9,677,000 | $124,000 | $417,000 | $67,000 | $390,000 |
| Preapproval Denied by Financial Institution | 66 | $5,408,000 | $81,000 | $300,000 | $48,000 | $198,000 |
| File Closed For Incompleteness | 3 | $480,000 | $160,000 | $190,000 | $56,000 | $96,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 135 | $11,748,000 | $87,000 | $417,000 | $61,000 | $600,000 |
| Debt-To-Income Ratio | 66 | $7,428,000 | $112,000 | $417,000 | $42,000 | $160,000 |
| Collateral | 46 | $6,058,000 | $131,000 | $417,000 | $77,000 | $312,000 |
| Employment History | 13 | $856,000 | $65,000 | $200,000 | $52,000 | $144,000 |
| Credit Application Incomplete | 10 | $1,511,000 | $151,000 | $255,000 | $43,000 | $94,000 |
| Unverifiable Information | 2 | $205,000 | $102,000 | $124,000 | $80,000 | $105,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $155,000 | $77,000 | $80,000 | $37,000 | $39,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into National Exchange Bank And Trust's 2012 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess National Exchange Bank And Trust's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Wisconsin, download the full spreadsheet
with aggregated HMDA statistics today.